We have a adjustable rate mortgage, which was adjusting making it difficult for us to keep up. My wife googled, "federal regulated debt relief and Mortgage modifications". on the list was this Jeffrey A Smith Law group. My wife filled out the information request. I was contacted by someone from the law group, described herself as a negotiator, turns out she must have been a sells person. I sent in the requested documents, Paid the company 2,500.00 dollars. My case was given to a Nicole Morgan,Negotiator, with a Janice Andersen as her assistant. I was told to send in pay stubs everytime I got them, Bank statements, everything was going fine for two months, then I recieved a packet from my mortgage company, requesting the same modification paperwork I had sent to this Nicole Morgan, who had told me repeatedly that I should send in updated information for her to send to the bank. but I filled out the paperwork from the bank and sent it in via the prepaid Fed-X envolpe. I then called and emailed N. Morgan asking why I was having to send in the same paperwork she was supposed to have already sent in. She stated just to send the information to her from now on. I went back to sending information to the law group, then I get a phone call from Nicole stating the bank has all the information they need. My file was in underwriting. Two days later I get a letter from my bank stating that my case was closed due to not recieving information they had requested. I contacted Nicole she stated my case could be re-opened if I send in requested information, I sent it in. Still waiting on word from Nicole, I decided to contact the bank myself to see were my case stood. I was told my case was closed and that no documents had been recieved since October. The lady at my bank I talked to was the person Nicole had said earlier that she delt with. When I talked to this lady at the bank, she stated she had never heard of Nicole Morgan, but that she delt with a Cheryl at Jeffrey A Smith, Law group. My advise to anyone looking for a Loan modification or Attorney, Look else where, this group is a rip off. This law group needs to be investigated for fraud.
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